/* Loan Programs Hero Section */
.page-wrapper {
    padding-top: 0;  /* Remove since we use margin */
}

.loan-programs-hero {
    position: relative;
    background: white;
    padding: 80px 0 60px;
    text-align: left;
    margin-top: 160px;  /* Match other pages */
    z-index: 1;  /* Lower z-index */
}

.loan-programs-hero::after {
    content: '';
    position: absolute;
    right: 2rem;  /* Add gap from right edge */
    top: 2rem;    /* Add gap from top edge */
    width: 55%;   /* Adjusted width */
    height: calc(100% - 4rem);  /* Adjust height to account for top and bottom gap */
    background: url('../media/zC_media_nightSkyline.png') no-repeat center;
    background-size: cover;
    border-radius: 12px;
    z-index: 0;  /* Lower z-index */
    opacity: 0.95;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.1);  /* Subtle shadow for depth */
}

.loan-programs-hero .container {
    position: relative;
    z-index: 2;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0;
}

.loan-programs-hero .hero-content {
    position: relative;
    z-index: 2;
    text-align: left;
    max-width: 1200px;
    margin: 0;
    padding-left: 2rem;  /* Consistent left padding */
}

.loan-programs-hero h1 {
    font-size: 3.5rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    letter-spacing: -0.02em;
    color: #1a1a1a;
    max-width: 45%;  /* Slightly wider for better text flow */
}

.loan-programs-hero .hero-subtitle {
    font-size: 1.25rem;
    max-width: 45%;  /* Match h1 width */
    margin: 0;
    line-height: 1.6;
    font-weight: 400;
    letter-spacing: 0;
    color: #666;
}

/* Loan Program Sections */
.loan-program-section {
    display: none;
    padding: 60px 0;
    min-height: calc(100vh - 400px);
    opacity: 0;
    transform: translateX(-20px);
    transition: opacity 0.3s ease, transform 0.3s ease;
}

.loan-program-section.active {
    display: block;
    opacity: 1;
    transform: translateX(0);
}

.bg-light {
    background-color: var(--light-gray);
}

/* Program Section Layout */
.loan-program-section .container {
    display: grid;
    grid-template-columns: 300px 1fr;
    gap: 3rem;
    align-items: start;
}

.program-header {
    text-align: left;
    position: sticky;
    top: 160px;
    padding: 2rem;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--primary-color), var(--secondary-color));
    color: var(--white);
    height: fit-content;
}

.program-header h2 {
    color: var(--white);
    margin-bottom: 1rem;
    font-size: 2rem;
    text-align: left;
}

.program-icon {
    font-size: 2.5rem;
    color: var(--white);
    margin-bottom: 1.5rem;
    opacity: 0.9;
}

.program-content {
    width: 100%;
}

/* Features Grid */
.features-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
    margin: 24px 0;
}

.feature-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    background: white;
    border: 1px solid #e0e0e0;
    border-radius: 6px;
    transition: background 0.2s ease;
    cursor: pointer;
}

.feature-item:hover {
    background: #f5f5f5;
}

.feature-item i {
    font-size: 20px;
    color: #666;
    flex-shrink: 0;
}

.feature-content {
    flex-grow: 1;
}

.feature-item h4 {
    margin: 0 0 4px;
    color: #1a1a1a;
    font-size: 1rem;
    font-weight: 500;
}

.feature-item p {
    margin: 0;
    font-size: 0.9rem;
    color: #666;
    line-height: 1.5;
}

/* Documentation Types */
.doc-types {
    background: var(--white);
    padding: 3rem;
    border-radius: 16px;
    box-shadow: var(--shadow-sm);
    max-width: 800px;
    margin: 3rem auto;
}

.doc-types h3 {
    text-align: center;
    margin-bottom: 2rem;
    color: var(--primary-color);
}

.doc-list {
    list-style: none;
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1rem;
}

.doc-list li {
    padding: 1.25rem;
    background: var(--light-gray);
    border-radius: 12px;
    text-align: center;
    font-weight: 500;
    transition: var(--transition);
    cursor: pointer;
    border: 1px solid transparent;
}

.doc-list li:hover {
    background: var(--white);
    border-color: var(--secondary-color);
    transform: translateY(-3px);
    box-shadow: var(--shadow-sm);
}

/* Coming Soon Section */
.coming-soon {
    padding: 100px 0;
    background: var(--primary-color);
    color: var(--white);
}

.coming-soon h2 {
    color: var(--white);
}

.coming-soon-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-top: 3rem;
}

.coming-soon-card {
    background: rgba(255, 255, 255, 0.1);
    padding: 3rem 2rem;
    border-radius: 16px;
    text-align: center;
    position: relative;
    transition: var(--transition);
    backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.coming-soon-card:hover {
    transform: translateY(-5px);
    background: rgba(255, 255, 255, 0.15);
    border-color: rgba(255, 255, 255, 0.2);
}

.coming-soon-badge {
    position: absolute;
    top: 1rem;
    right: 1rem;
    background: var(--secondary-color);
    color: var(--white);
    padding: 0.5rem 1rem;
    border-radius: 20px;
    font-size: 0.8rem;
    font-weight: 600;
}

.coming-soon-card i {
    font-size: 3rem;
    color: var(--white);
    margin-bottom: 1.5rem;
    opacity: 0.9;
}

.coming-soon-card h3 {
    margin-bottom: 0.5rem;
    color: var(--white);
}

.coming-soon-card p {
    color: rgba(255, 255, 255, 0.8);
    margin: 0;
}

/* Disclaimer */
.disclaimer {
    text-align: center;
    color: #666;
    font-size: 0.9rem;
    font-style: italic;
    margin-top: 2rem;
}

/* Responsive Design */
@media (max-width: 768px) {
    .loan-programs-hero {
        padding: 60px 0 40px;
        margin-top: 120px;  /* Smaller margin on mobile */
        display: flex;
        flex-direction: column;
        gap: 32px;
    }

    .loan-programs-hero .container,
    .loan-programs-hero .hero-content {
        padding: 0 1.5rem;  /* Consistent mobile padding */
    }

    .loan-programs-hero::after {
        position: relative;
        top: 0;
        right: auto;
        width: auto;
        height: 240px;
        margin: 0 24px;
        border-radius: 12px;
        display: block;
    }

    .loan-programs-hero h1 {
        font-size: 2.5rem;
        margin-bottom: 16px;
    }

    .loan-programs-hero .hero-subtitle {
        font-size: 1.125rem;
        line-height: 1.5;
    }

    .loan-program-section {
        padding: 40px 0;
    }

    .program-nav {
        display: none; /* Hide tabs on mobile */
    }

    /* Mobile accordion styles */
    .program-content {
        display: block !important; /* Always show content container */
    }

    .program-block {
        margin-bottom: 1rem;
        border-radius: 8px;
        background: var(--white);
        box-shadow: var(--shadow-sm);
        overflow: hidden;
    }

    .program-header {
        padding: 1.25rem;
        background: var(--white);
        display: flex;
        align-items: center;
        justify-content: space-between;
        cursor: pointer;
        border-bottom: 1px solid rgba(0, 0, 0, 0.1);
    }

    .program-header.active {
        background: var(--primary-color);
        color: var(--white);
    }

    .program-header h3 {
        margin: 0;
        font-size: 1.1rem;
        display: flex;
        align-items: center;
        gap: 0.75rem;
    }

    .program-header i {
        font-size: 1.2rem;
    }

    .program-header .expand-icon {
        font-size: 1.5rem;
        transition: transform 0.3s ease;
    }

    .program-header.active .expand-icon {
        transform: rotate(180deg);
    }

    .program-details {
        display: none;
        padding: 1.25rem;
        background: var(--white);
    }

    .program-details.active {
        display: block;
        animation: slideDown 0.3s ease-out;
    }

    .features-grid {
        grid-template-columns: 1fr;
    }

    .feature-card {
        padding: 1rem;
    }

    .doc-types {
        padding: 2rem;
    }

    .doc-list {
        grid-template-columns: 1fr;
    }

    .coming-soon-grid {
        grid-template-columns: 1fr;
    }

    .program-nav {
        top: 120px;  /* Adjust sticky position for mobile */
        padding: 12px 0;
    }

    .program-tabs {
        flex-direction: row;
        overflow-x: auto;
        gap: 0.5rem;
        padding: 0.5rem;
        -webkit-overflow-scrolling: touch;
        scrollbar-width: none;  /* Firefox */
        -ms-overflow-style: none;  /* IE and Edge */
    }

    .program-tabs::-webkit-scrollbar {
        display: none;  /* Chrome, Safari and Opera */
    }

    .program-tab {
        flex: 0 0 auto;
        min-width: auto;
        max-width: none;
        padding: 0.75rem 1.25rem;
        border-radius: 50px;
        background: rgba(255, 255, 255, 0.1);
        border: none;
        display: flex;
        align-items: center;
        gap: 0.5rem;
        white-space: nowrap;
    }

    .program-tab.active {
        background: var(--secondary-color);
        border: none;
        box-shadow: none;
    }

    .program-tab i {
        margin: 0;
        font-size: 1rem;
        color: var(--white);
    }

    .program-tab h3 {
        margin: 0;
        font-size: 0.9rem;
        color: var(--white);
    }

    .program-tab:hover {
        transform: none;
        box-shadow: none;
        background: rgba(255, 255, 255, 0.2);
    }

    .program-tab.active:hover {
        background: var(--secondary-color);
    }

    .nav-item.dropdown > a {
        width: 100%;
        display: block;
    }
    
    .dropdown-content {
        position: static;
        display: none;
        background: transparent;
        box-shadow: none;
        padding-left: 20px;
    }

    .nav-item.dropdown.active .dropdown-content {
        display: block;
    }
}

@media (max-width: 480px) {
    .feature-item {
        padding: 1.5rem;
    }

    .coming-soon-card {
        padding: 2rem 1.5rem;
    }
}

@media (max-width: 1024px) {
    .loan-program-section .container {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .program-header {
        position: relative;
        top: 0;
        max-width: none;
    }
}

/* Navigation - Removed conflicting styles to use header.css instead */

/* Buttons - Removed conflicting styles to use header.css instead */

/* Mobile Menu Button - Removed conflicting styles to use header.css instead */

/* Footer */
footer {
    background-color: var(--white);
    color: var(--text-color);
    padding: 80px 0 20px;
    border-top: 1px solid rgba(0, 0, 0, 0.1);
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
    margin-bottom: 3rem;
}

.footer-logo img {
    height: 40px;
    width: auto;
    margin-bottom: 1rem;
}

.footer-logo p {
    color: var(--text-color);
    opacity: 0.8;
    margin-top: 1rem;
}

.footer-contact p {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
    color: var(--text-color);
}

.footer-contact i {
    color: var(--secondary-color);
    font-size: 1.2rem;
}

.footer-bottom {
    text-align: center;
    padding-top: 2rem;
    border-top: 1px solid rgba(0, 0, 0, 0.1);
    color: var(--text-color);
    opacity: 0.7;
}

/* Program Navigation */
.program-nav {
    background: white;
    padding: 20px 0;
    border-bottom: 1px solid #eee;
    margin-bottom: 40px;
    position: relative;  /* Changed from sticky */
    z-index: 2;  /* Lower z-index */
}

.program-tabs {
    display: flex;
    gap: 12px;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 2rem;
    position: relative;
    z-index: 2;
}

.program-tab {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    background: white;
    border: 1px solid #e0e0e0;
    border-radius: 6px;
    cursor: pointer;
    transition: all 0.2s ease;
    color: #666;
    position: relative;
    z-index: 2;
}

.program-tab:hover {
    background: #f5f5f5;
    transform: none;
    box-shadow: none;
}

.program-tab.active {
    background: #f5f5f5;
    border-color: #e0e0e0;
    color: #1a1a1a;
    font-weight: 500;
}

.program-tab i {
    font-size: 18px;
    color: #666;
}

.program-tab.active i {
    color: #1a1a1a;
}

.program-tab h3 {
    margin: 0;
    font-size: 0.95rem;
    font-weight: inherit;
}

@media (max-width: 768px) {
    .program-nav {
        padding: 12px 0;
        margin-bottom: 20px;
        overflow-x: auto;
        -webkit-overflow-scrolling: touch;
    }

    .program-tabs {
        padding: 0 1rem;
    }

    .program-tab {
        flex: 0 0 auto;
        white-space: nowrap;
    }
}

/* CTA Banner */
.cta-banner {
    background: var(--white);
    color: var(--text-color);
    padding: 100px 0;
    position: relative;
    overflow: hidden;
}

.cta-banner .container {
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 4rem;
    align-items: center;
}

.cta-content {
    position: relative;
    z-index: 2;
}

.cta-banner h2 {
    color: var(--text-color);
    font-size: 2.5rem;
    margin-bottom: 1.5rem;
    text-align: left;
}

.cta-banner p {
    color: #666;
    font-size: 1.2rem;
    margin-bottom: 2rem;
    max-width: 600px;
}

.cta-banner .btn-primary {
    background-color: var(--white);
    color: var(--secondary-color) !important;
    border: 2px solid var(--secondary-color);
    padding: 1rem 2rem;
}

.cta-banner .btn-primary:hover {
    background-color: var(--secondary-color);
    color: var(--white) !important;
}

.cta-illustration {
    position: relative;
    z-index: 2;
}

.cta-illustration img {
    width: 100%;
    height: auto;
    max-width: 400px;
}

.cta-banner::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 50%;
    height: 100%;
    background: linear-gradient(135deg, transparent, rgba(190, 11, 49, 0.05));
    z-index: 1;
}

@media (max-width: 1024px) {
    .cta-banner .container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .cta-banner h2 {
        text-align: center;
    }

    .cta-banner p {
        margin-left: auto;
        margin-right: auto;
    }

    .cta-illustration {
        order: -1;
        margin-bottom: 2rem;
    }

    .cta-illustration img {
        max-width: 300px;
        margin: 0 auto;
        display: block;
    }
}

@keyframes slideDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Mobile Programs List */
.mobile-programs {
    display: none;
    padding: 20px;
}

.program-block {
    margin-bottom: 1rem;
    background: var(--white);
    border-radius: 12px;
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    border: 1px solid rgba(0, 0, 0, 0.1);
}

.program-block-header {
    padding: 1.5rem;
    background: var(--white);
    display: flex;
    align-items: center;
    justify-content: space-between;
    cursor: pointer;
    transition: all 0.3s ease;
    border: none;
    width: 100%;
    text-align: left;
}

.header-content {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.program-block-header i:first-child {
    color: var(--secondary-color);
    font-size: 1.5rem;
}

.program-block-header h3 {
    margin: 0;
    font-size: 1.2rem;
    color: var(--text-color);
    font-weight: 600;
}

.program-block-header .expand-icon {
    color: var(--text-color);
    transition: transform 0.3s ease;
    font-size: 1.2rem;
}

.program-block.active .program-block-header {
    background: var(--primary-color);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.program-block.active .program-block-header h3,
.program-block.active .program-block-header i {
    color: var(--white);
}

.program-block.active .expand-icon {
    transform: rotate(180deg);
}

.program-block-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.5s ease-out;
    background: var(--white);
}

.program-block.active .program-block-content {
    max-height: 2000px;
    padding: 1.5rem;
}

@media (max-width: 768px) {
    .program-nav,
    .loan-program-section {
        display: none !important;
    }

    .mobile-programs {
        display: block;
        margin-top: 2rem;
        padding: 0 1rem;
    }

    .features-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .feature-item {
        padding: 1.25rem;
        flex-direction: row;
        align-items: center;
        gap: 1rem;
    }

    .feature-item i {
        width: 48px;
        height: 48px;
        font-size: 1.25rem;
        flex-shrink: 0;
    }
}

@keyframes slideDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Contact Section */
.contact-section {
    background-color: var(--white);
    color: var(--text-color);
    text-align: center;
    padding: 4rem 0;
    position: relative;
    overflow: hidden;
    border-top: 1px solid rgba(0, 0, 0, 0.1);
}

.contact-section .container {
    position: relative;
    z-index: 2;
    max-width: 800px;
    margin: 0 auto;
    padding: 0 2rem;
}

.contact-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 2rem;
}

.specialist-image {
    max-width: 300px;
    height: auto;
    border-radius: 12px;
    margin-bottom: 1rem;
}

.contact-section p {
    font-size: 1.5rem;
    line-height: 1.5;
    margin-bottom: 1rem;
    font-weight: 300;
    color: var(--text-color);
}

.contact-section .btn-primary {
    background-color: var(--secondary-color);
    color: var(--white) !important;
    padding: 1rem 2.5rem;
    font-size: 1.125rem;
    font-weight: 600;
    border: 2px solid var(--secondary-color);
    transition: all 0.3s ease;
}

.contact-section .btn-primary:hover {
    background-color: transparent;
    color: var(--secondary-color) !important;
    transform: translateY(-2px);
}

@media (max-width: 768px) {
    .contact-section {
        padding: 3rem 0;
    }

    .specialist-image {
        max-width: 250px;
    }

    .contact-section p {
        font-size: 1.25rem;
        padding: 0 1rem;
    }
}